This morning my Editor-in-Chief forwarded a mail to me, a mail containing the compelling story of a young Nigerian woman who, against all odds, made the best of her circumstances to push on and conquer the world.
This woman is Dr. Oluwo Adedunmola, a recent graduate of the Medical School at the University of Debrecen in Hungary.
Throughout her 7-year sojourn learning the healer’s trade, Dedun (as she referred to herself in the mail) maintained four businesses all by herself and still managed to avoid academic failure.
Now we all know Medicine is not an easy course of study – by any stretch of the imagination. But to combine that with running four businesses in a foreign country and still managing to succeed at both is just something of dreams.
Dedun runs Dedun’s Cakes, a four-year-old cake and pastry company; Hair by Dedun, a six-year-old hair styling business that caters to every hair texture; DedunCooks, a six-year-old Nigerian food catering business, and Belle Artistry by Dedun, a new beauty-focused business she started earlier in 2016.
Apart from all of this, she also runs an inspirational blog and a YouTube channel – talk of being versatile. Through her businesses, Dedun was able to live non-dependent on her retired single mother and she was still able to make and save enough to pay for her Masters which she would be starting next month at the Rome Business School in Italy.
“I was miraculously able to combine all these without repeating a year in the 7 years of Medical school while achieving utmost financial independence from my retired single mum. I was able to make and save enough to pay for my Masters which I’m starting next month at Rome Business School, Italy. I’m sharing my story to inspire others that it doesn’t matter what your situation is, you can always challenge yourself to achieve great things whether you are a 17-yr-old (like I was when I started) or older,» says Dedun.
I am already inspired and if you are reading this, you should be too. These days we don’t hear of young people like this accomplishing such remarkable feats anymore. This woman should serve as an inspiration for everyone still sitting on their asses instead of going out and making their own path in the world.
Dedun’s message is simple: No matter what you are facing or your current circumstances in life, you can always push yourself to achieve great things regardless of your age – and I agree with her.
Mesothelioma is a life-threatening disease brought about by long exposure to asbestos.
It can affect the lungs, abdomen, and several other principal organs of the body. The disease has affected lots of people but many were not able to get some claims.
Furthermore, mesothelioma had been a burden for decades. The reason why many people need mesothelioma law firm are for the justice and help to cover such expenses associated with the disease.
Currently, there are more and more mesothelioma lawyers. But not all are trustworthy enough to perform their duties towards the claims. To help people like you in finding the best and reliable lawyers to do the job, here are the five best New York mesothelioma lawyers:
1.Weitz & Luxenberg
A New York Mesothelioma lawyer from Weitz & Luxenberg is opted to provide immediate legal assistance for clients who are in needs of service. Weitz & Luxenberg lawyers have a secured significant financial compensation for mesothelioma victims way back in the year 1986. And for three decades of works in the firm, Weitz & Luxenberg attorneys have won over a billion dollars in verdicts and settlements for its clients. Also, Weitz & Luxenberg gives a free case evaluation for customers who are seeking for its service.
2. Simmons Hanly Conroy
Simmons Hanly Conroy is the type of law firm which differs from other because mesothelioma lawyers from this firm regularly travel to clients throughout New York. Simmons Hanly Conroy offers a no cost to file a claim, and even customer questions are free. Over the past decade, this mesothelioma lawyer represented many clients throughout the state of New York and had already recovered $5 billion verdicts and settlements on behalf of thousand clients throughout the United States.
3. Belluck & Fox
Belluck & Fox law firm for mesothelioma lawyer have already recovered over $800 million for mesothelioma clients and have won $30 million in verdicts in 2016 and two major appeals in New York’s highest court. The firm was founded by Joe Belluck who has been advocating for mesothelioma patients for more than 15 years. Belluck & Fox was founded in 2002, to help provides patients with support and additional resources to help with mesothelioma.
4. Levy Konigsberg
Levy Konigsberg is one of the America’s established premier law firms featuring highly acclaimed mesothelioma lawyers with decades of experience in the areas of asbestos exposure and mesothelioma law. LK provides pride of itself on the accomplishments attained by its attorneys. Likewise, LK has litigated precedent-setting cases and obtained the significant ruling and judgments as well as advocates the best of its experience, skill, and resources to every client.
Joseph B. Williams and the team of The Williams Law Firm are dedicated to helping asbestos exposure victims and the families who wish to pursue the financial compensation they need.
The Williams offer a free consultation for clients living in the United States particularly in New York.
The firm believes in a personal approach to each case, and every prospective client receives a free case consultation and no-fee promise.
Advantages of VA Mortgages
If you’re a veteran or currently in the military, National Guard or Reserves, and are planning to buy property, VA home loans should be on your radar.
VA mortgages are backed by the federal government, which allows private lenders to fund 100 percent loans and charge less for them.
The program offers several advantages:
No down payment is requiredThere are no mortgage insurance premiumsLoans are assumableThere is no minimum credit scoreUnderwriting is flexibleRates and fees are often lower than those of conventional loans
This benefit was designed to promote homeownership among military families and help vets returning to civilian life. VA home loans are probably responsible for the fact that 79 percent of veterans are homeowners, compared to 63 percent of the general population.
Don’t Overlook VA Home Loans
Unfortunately, not everyone eligible for VA mortgages claims their benefit.
In a 2014 survey of 2,000 members of the Iraq and Afghanistan Veterans of America (IAVA) association, just 36 percent said they had applied for a VA home loan, and many of those who did not were unaware of the program.
This could be a costly mistake — for many, VA home loans are the cheapest way to finance a house.
Who Is Eligible For VA Financing?
VA home loans are available to active servicemembers, veterans (unless dishonorably discharged), and in some cases, surviving family members. You’re probably eligible if one of the following is true:
You’ve served 181 days of active duty during peacetimeYou’ve served 90 days of active duty during war timeYou’ve served six years in the Reserves or National GuardYour spouse was killed in the line of duty and you have not remarried
Your eligibility never expires.
Veterans who earned their benefit in long ago are still using their benefit to buy homes.
Getting Your Certificate Of Eligibility (COE)
Part of applying for VA home loans is documenting your eligibility. This is very easy to do in most cases — simply have your lender order your COE through the VA’s automated Web LGY or Automated Certificate of Eligibility (ACE) system.
Any VA-approved lender has access to these systems.
Alternatively, you can order your certificate yourself through the VA benefits portal. If the online system is unable to issue your COE, you’ll need to provide your DD-214 form to your lender or the VA.
Qualifying For A VA Mortgage
VA mortgage underwriters evaluate your credit history, debt, income and assets. Here are some thresholds to be aware of.
The VA has established no minimum credit score for a VA mortgage. However, many VA mortgage lenders require minimum FICO scores in the low- to mid-600s.
Even VA lenders that allow lower credit scores don’t accept subprime credit. VA underwriting guidelines state that applicants must have paid their obligations on time for at least the most recent 12 months to be considered satisfactory credit risks.
The VA usually requires a two-year waiting period following a Chapter 7 bankruptcy or foreclosure before it will insure a loan, and borrowers in Chapter 13 must have made at least 12 on-time payments and secure the approval of the bankruptcy court.
Debt-To-Income (DTI) Ratio
The relationship of your debts and your income is called your debt-to-income ratio, or DTI.
VA underwriters divide your monthly debts (car payments, credit cards and other accounts, plus your proposed housing expense) by your gross (before-tax) income by to come up with this figure.
For instance, if your gross income is $4,000 per month, your new mortgage, property taxes and homeowners insurance, plus other debt payments total is $1,500, your DTI is 37.5 percent.
A DTI over 41 percent means the lender has to apply additional formulas to see if you qualify underresidual income guidelines.
Type of property
The property you buy must be your primary residence, not a vacation home or rental. It can be a single-family home, condo, manufactured home (on a foundation), duplex, triplex, or four-plex.
Ineligible properties include condotels, mobile homes not classified as real property, mixed-use property, working farms and bed-and-breakfast properties.
The VA does not limit the size of VA mortgages; however, it does limit the extent of its guarantee, and most lenders restrict loan amounts accordingly.
In most locales, $417,000 is the highest loan you’ll get with nothing down. However, in higher-cost areas, that limit may go as high as $625,500. You can go over the limit by making a down payment equal to 25 percent of the difference between the home’s purchase price and the maximum loan size.
For instance, take this example of a veteran buying a $517,000 property.
Home price: $517,000Local loan limit: $417,000Difference: $100,000Twenty-five percent of the difference: $25,000
In short, this veteran can purchase a half-million-dollar home with just a 4.4 percent downpayment.
VA Mortgage Rates
VA home loan rates are generally lower than otherlow downpayment options, because their foreclosure rate is lower, and because of their government guarantee.
If your downpayment is less than 20 percent of the property purchase price, VA mortgages almost always offer the best mortgage rates. That’s because you pay no mortgage insurance, just a funding fee.
This fee ranges between 1.25 and 3.3 percent of the loan amount, depending on your down payment, how many times you’ve used your eligibility.
Your funding fee also depends on your status — regular military or Guard / Reserves. The fee can usually be wrapped into your mortgage, or you can opt to pay it in cash.
What Are Today’s VA Mortgage Rates?
Today’s VA mortgage rates are typically lower than those for conventional (non-government) mortgages.
Compare VA home loans and non-VA mortgage options when you purchase your next home so you don’t miss out on the benefits you’ve earned with your military service.
IT was a drama yesterday as a wedding reception ended halfway when the bride stormed out of the wedding reception.
Bewildered, the bridegroom reportedly ran after his bride pleading with her to reconsider her decision.
But the bride emphatically said she was no longer interested in the few-hours-old marriage.
The incident reportedly took place at Udu Local Government Area of Delta State at the popular Orhunwhorhun Road which created serious scene in the area. Members of both families were seen trying to resolve the matter amicably.